WO2018050051A1 - 手机app贷款系统 - Google Patents

手机app贷款系统 Download PDF

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Publication number
WO2018050051A1
WO2018050051A1 PCT/CN2017/101389 CN2017101389W WO2018050051A1 WO 2018050051 A1 WO2018050051 A1 WO 2018050051A1 CN 2017101389 W CN2017101389 W CN 2017101389W WO 2018050051 A1 WO2018050051 A1 WO 2018050051A1
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WO
WIPO (PCT)
Prior art keywords
module
loan
mobile phone
information
customer
Prior art date
Application number
PCT/CN2017/101389
Other languages
English (en)
French (fr)
Inventor
唐侠
陈定玮
吴晨
曾旭晖
王浩
杨伟杰
张江波
卜凡徳
王海斌
唐凯乐
李晓琴
毛莉莎
丁尚亮
周景锋
严万卡
Original Assignee
深圳中兴飞贷金融科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳中兴飞贷金融科技有限公司 filed Critical 深圳中兴飞贷金融科技有限公司
Priority to GB1816675.1A priority Critical patent/GB2564355A/en
Priority to US16/093,980 priority patent/US20190114613A1/en
Publication of WO2018050051A1 publication Critical patent/WO2018050051A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/20—Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel

Definitions

  • the invention relates to the field of internet finance technology, and in particular to a mobile phone APP loan system.
  • the traditional loan application is difficult.
  • the lender needs to submit a large amount of paper proof materials to the lending institution, and can only go to the business outlets on the working day.
  • the time for waiting for approval after the application is also long.
  • Loaning to the user, the slow loan speed brings a lot of inconvenience to the user and misses many business opportunities.
  • the lending institution also needs users to meet some additional conditions before lending money to the user. For example, depositing a certain amount of money in the bank or purchasing some wealth management products will bring difficulties to users who are already in a tight capital.
  • the traditional loan application cannot realize partial withdrawal.
  • the loan amount applied by the user must be clarified once, even if it is not needed for a long time, it must be fully lent; and some partial and full prepayments are not supported, and the early repayment needs to pay the default. Kim, it is also impossible to change the repayment date, adjust the repayment period, and the user is still in difficulty. After paying off the loan, you need to resubmit the application and borrow again.
  • the technical problem to be solved by the present invention is to facilitate the lender to borrow at any time and place.
  • the second technical problem to be solved by the present invention is to facilitate the lender to repay at any time and place.
  • an embodiment provides a mobile APP loan system, and the mobile APP loan system is disposed in a network composed of a mobile phone, a server, a third party service server, a bank server, and a mobile communication network and an Internet connection.
  • the mobile APP loan system includes a mobile phone loan system APP, a load balancing module, a mobile phone service module, a short message service module, a brush face module, a unified interface module, a calculation module, an accounting module, a clearing service module, a bank interface module, and a third party.
  • the virtual loan mobile phone system APP is used when the customer registers, fill in the short message service module and send it to The SMS verification code on the customer's mobile phone, the customer fills in the borrowing verification code sent by the short message service module to the customer's mobile phone; the customer fills in the loan application information through the mobile phone system APP, and then encrypts and obtains the encrypted application information.
  • Send to the content distribution module; the loan system of the loan system receives the loan contract and loan quota sent by the unified interface module, and the customer performs the cash withdrawal operation, fills in the loan contract and the loan verification code on the mobile phone system APP, sets the withdrawal password, and generates the cash withdrawal amount.
  • the cash withdrawal amount in the withdrawal operation is within the scope of the loan amount, and then the loan contract, the loan verification code, the cash withdrawal amount and the withdrawal password are sent to the calculation module; the flight loan mobile phone system APP receives the verified payment from the Shenwei module.
  • the contract is confirmed by the customer, and then the confirmed loan contract is sent to the calculation module; the content distribution module receives the encrypted application information sent by the femto mobile phone system APP, and performs data transmission processing through the Internet to obtain the customer application information.
  • the client application information sent by the content balancing module to the content distribution module is distributed based on the IP load balancing judgment and the content request distribution method, and the client application information is distributed to the mobile phone service module; after the mobile phone service module receives the client application information sent by the load balancing module, Generate a short message verification code and send it to the short message service module.
  • the mobile phone service module performs data disassembly on the customer application information sent by the load balancing module, and obtains the disassembled customer application information: user name, frequent activity city, and single credit card quota.
  • the mobile phone service module sends facial information to the brush face module; the mobile phone service module sends the disassembled customer application information to the unified interface module; Business module receives brush face mode The score of the photo sent by the block is compared and then saved; the mobile phone service module receives the loan result information sent by the bank terminal module, generates a money-sending short message, and sends the message to the short message service module; the short message service module receives the short message verification code sent by the mobile phone service module.
  • the SMS service module sends the loan verification code to the customer's mobile phone; the SMS service module receives the payment SMS sent by the mobile phone service module, generates a short message notification in accordance with the mobile communication network transmission, and sends the message to the short message.
  • the module receives the disassembled customer application information sent by the mobile phone service module, and the user name, frequent activity city, single credit card quota, position, ethnicity, number of children, marital status, recent working time, starting working time, company name , unit nature, position, monthly income, mobile phone number, education level, mailbox, real estate information, current residential address, ID card information, bank card information, facial information, signature information sent to the accounting module; bank card information and brush
  • the face information is sent to the Shenwei module; the unified interface module receives the loan amount of the customer sent by the accounting module; the unified interface module sends the loan amount sent back from the main server and the loan
  • the contract, the lending process obtains the customer's lending notice, and sends it to the clearing service module;
  • the Shensi module receives the credit score sent by the unified interface module for saving;
  • the accounting module receives the user name, the frequent activity city, and the single credit card quota sent by the unified interface module.
  • the bank card information, face information, and signature information are calculated and the customer's loan amount is calculated, and then sent back to the unified interface module; the clearing service module receives the loan contract, bank card information, loan quota, and the calculation module sent by the unified interface module.
  • the customer's lending notice verifies whether the cash amount is within the loan amount range. If the verification is qualified, the lending notice is processed.
  • the clearing service module generates the lending message and sends it to the bank interface module.
  • the bank interface module receives the lending message sent by the clearing service module.
  • the customer's loan information is sent to the bank terminal module, and the customer's loan information is the customer's
  • the cash amount and the customer's bank card information are provided; the bank terminal module receives the loan information of the customer sent by the bank interface module, and the cash amount in the customer's loan information is exchanged into the customer's bank card, and the loan result information is sent to the mobile phone business module.
  • the content of the loan result is the success of the loan or the failure of the loan;
  • the third party service module sends the photo of the customer to the face brushing module;
  • the third party service module sends the photo of the customer and the bank information of the customer to the Shenwei module;
  • the third party service module receives the unified interface module
  • the third-party service module comprehensively obtains the customer's credit evaluation score and sends it to the unified interface module.
  • the customer can operate the loan on the mobile phone through the server for the mobile phone loan, and the operation is convenient, and there is no need to queue up at the business outlets, and the loan speed is fast.
  • FIG. 1 is a schematic diagram of device connection used in a mobile APP loan system according to this embodiment
  • FIG. 2 is a schematic structural diagram of a mobile APP loan system according to this embodiment.
  • the mobile APP loan system (the system) of the present invention is disposed on a network device composed of a mobile phone, a server, a third party service server, a bank server, and a mobile communication network and an Internet connection.
  • the mobile phone with the mobile phone system APP installed is connected to the server, and the server is connected to the third-party service server and the bank server.
  • the third-party service server and the bank server are respectively connected to one or more computer terminals (computers).
  • the so-called fly-loan mobile phone system APP refers to an application tool loaded on the mobile phone.
  • the device used in the mobile APP loan system of the present invention includes: mobile phone 1, server, and third Party service server 7 and bank server 8.
  • the server is composed of a content distribution network server 2, a load balancing server 3, a main server (flight loan financial technology server) 4, a short message service server 5, and a brush face service server 6.
  • the mobile phone 1 is provided with N parts, N is the number of users registered as the system, and the mobile phone 1 is connected to the main server 4 via the content distribution network server 2 and the load balancing server 3.
  • the main server 4 is connected to the short message service server 5, the face service server 6, the third party service server 7, and the bank server 8.
  • the number of third-party service servers 7 is M, and the number of Ms is the number of servers connected to the system to provide credit, criminal records, and credit inquiry information for the system.
  • the bank server 8 is provided with L numbers, which are the number of bank servers that provide loans to the system.
  • the mobile phone 1 adopts a smart phone equipped with an IOS system (a mobile operating system developed by Apple) or an Android system (a free and open source operating system based on Linux), and the mobile phone 1 must Configure a front camera with more than 2 million pixels that can be used for photographing; content distribution network server 2 uses quad-core CPU, 8192MB of memory, 40G hard disk space, load balancing server 3 uses quad-core CPU, 8192MB of memory, 40G hard disk space The main server 4 adopts quad-core CPU, 8192MB of memory, 40G hard disk space, SMS service server 5 adopts quad-core CPU, 8192MB of memory, 40G hard disk space, and the face service server 6 adopts quad-core CPU and 8192MB of memory.
  • IOS system a mobile operating system developed by Apple
  • Android system a free and open source operating system based on Linux
  • third-party service server 7 uses quad-core CPU, 8192MB of memory, 40G hard disk space
  • bank server 8 uses quad-core CPU, 8192MB of memory, 40G hard disk space.
  • the mobile phone 1 is coupled to the content distribution network server 2 and the short message service server 5 using a mobile communication network.
  • the content distribution network server 2 and the load balancing server 3, the main server 4 and the load balancing server 3, the short message service server 5, and the brush face service server 6 are connected by the Internet.
  • the main server 4 is connected to the third party service server 7 and the bank server 8 using the Internet.
  • the mobile APP loan system of the present invention is provided with a mobile phone mobile phone system APP11, a content distribution module 21, a load balancing module 31, a short message service module 51, a brush face module 61, a third party service module 71, and a bank terminal.
  • the third-party service module 71 is provided with a network shield module, a sink module, a positioning module, a credit score FICO module, and a K780 data module.
  • the customer fills in the loan application information through the fly-loan mobile phone system APP11, encrypts, and transmits the encrypted application information to the content distribution module 21.
  • the application information is: user name, frequent activity city, single credit card quota, position, ethnicity, number of children, marital status, recent working hours, starting work time, company name, unit nature, position, monthly income, mobile phone number, Education level, mailbox, property information, current residence address, ID card information, bank card information, face information, signature information, user consent authorization terms information, loan amount.
  • the ID card information is the front and back photos of the ID card taken by the mobile phone, and the facial information is the front photo of the face photographed by the mobile phone.
  • the user agrees that the license terms information is the terms and conditions for the user to agree to authorize the third party service.
  • the customer stores the mobile phone number and password of the customer in the database of the main server 4 for the user who is registered as the system. After the customer registers as a user of the system, fill in the correct mobile phone number and password to log in to the system.
  • the short message service module 51 When the customer is registering, the short message service module 51 will send the SMS verification code to the customer mobile phone that is being registered.
  • the mobile credit system APP11 needs to fill in the SMS verification code to determine the authenticity of the mobile phone number filled by the customer, and the customer is withdrawing the cash.
  • the loan verification code sent by the short message service module 51 is also required to determine the specific operation of the customer, and the verification code service provided by the short message service module 51 can protect the security of the customer's account.
  • the loan loan mobile phone system APP11 receives the loan contract and the loan amount sent by the unified interface module 42, and the customer performs the cash withdrawal operation, fills in the loan contract and the loan verification code in the mobile loan mobile phone system APP11, sets the withdrawal password, and performs the cash withdrawal operation to generate the cash withdrawal amount.
  • the amount of the cashable withdrawal in the withdrawal operation is within the range of the loan amount, and then the loan contract, the loan verification code, the cash withdrawal amount and the withdrawal password are sent to the calculation module 43.
  • the fly-loan mobile phone system APP11 receives the verified loan contract sent by the calculation module 43 and confirms the operation by the customer, and then transmits the loan contract to the calculation module 43.
  • the content distribution module 21 receives the encrypted application information sent by the femto-phone system APP11, obtains the client application information, performs data transmission processing through the Internet, and transmits the data to the load balancing module 31.
  • the content distribution module 21 is for transmitting a large amount of data.
  • the load balancing module 31 distributes the application information of the client sent by the content distribution module 21 based on the IP load balancing determination and the content request distribution method, and judges the traffic of the mobile phone service module 41 and the load of the concurrent access, and then distributes The customer's application information is sent to the mobile phone business module 41.
  • IP load balancing is through IPVS (IPVS is called IP virtual server, which is short for IP Virtual Server). . It is implemented by a module that provides load balancing function under LVS. IPVS is the core system of the cluster system. Its function is to install on the Director Server and virtualize it on the Director Server. An IP address through which the user accesses the service. This virtual IP is generally called LVS (LVS is the abbreviation of Linux Virtual Server, meaning Linux virtual server, is a virtual server cluster system) VIP (that is, Virtual IP, virtual IP).
  • LVS LVS is the abbreviation of Linux Virtual Server, meaning Linux virtual server, is a virtual server cluster system
  • VIP that is, Virtual IP, virtual IP
  • the requested request first passes the VIP to the load scheduler, and then the load scheduler selects a suitable service node from the Real Server list to respond to the user's request.
  • the appropriate service node is the service that is not busy or geographically closest. node.
  • the mobile phone service module 41 After receiving the client application information sent by the load balancing module 31, the mobile phone service module 41 generates a short message verification code and sends it to the short message service module 51.
  • the mobile phone service module 41 performs data disassembly on the customer application information sent by the load balancing module 31, and obtains the disassembled customer application information: user name, frequent activity city, single credit card quota, position, ethnicity, number of children, Marital status, recent working hours, starting work time, company name, unit nature, position, monthly income, mobile phone number, education level, email address, property information, current residence address, ID card information, bank card information, face information, Signature information, user consent to authorization terms information.
  • the mobile phone service module 41 transmits the face information to the brush face module 61.
  • the mobile phone service module 41 sends the remaining application information of the disassembled client to the unified interface module 42.
  • the mobile phone service module 41 receives the score of the photo comparison sent by the brush face module 61, and then saves it after confirmation. Used to prevent non-customers from applying.
  • the mobile phone service module 41 receives the loan result information sent by the bank terminal module 81, generates a payment short message, and sends it to the short message service module 51.
  • the short message service module 51 receives the short message verification code sent by the mobile phone service module 41, and then generates a short message notification that is transmitted in accordance with the mobile communication network, and sends the short message to the customer's mobile phone by means of a short message, and at the same time, limits the input short message verification code on the mobile phone system APP11.
  • the time limit is 1 hour.
  • the content of the SMS verification code is: "Your verification code is: 906513. Please enter it within one hour. To protect your account security, please do not forward the SMS verification code to others.”
  • the short message service module 51 sends the loan verification code to the customer's mobile phone.
  • the short message service module 51 receives the short message sent by the mobile phone service module 41, generates a short message notification that is consistent with the transmission of the mobile communication network, and sends the short message to the mobile phone number filled in when the customer registers.
  • the face module 61 receives the facial information sent by the mobile phone service module 41, and compares the photos of the customer sent by the third party service module 71, and calculates the similarity of the facial features of the customer in the two photos to obtain a photo comparison. The score is then sent to the mobile phone business module 41 for the score of the photo comparison.
  • the unified interface module 42 receives the disassembled customer application information sent by the mobile phone service module 41, and the user name, the frequent activity city, the single credit card quota, the position, the ethnicity, the number of children, the marital status, the latest working time, and the work start.
  • the time, company name, unit nature, position, monthly income, mobile phone number, education level, mailbox, property information, current residence address, ID card information, bank card information, face information, and signature information are sent to the accounting module 44.
  • the unified interface module 42 sends the bank card information and the face brush information to the estimator module 43.
  • the unified interface module 42 receives the loan amount of the customer sent by the accounting module 44.
  • the unified interface module 42 transmits the loan amount sent back from the loan contract and accounting module 44 downloaded by the main server 4 to the fly-loan mobile phone system APP11.
  • the unified interface module 42 sends the loan contract, bank card information, and loan amount to the clearing service module 45.
  • the unified interface module 42 will name the user in the application information, the current activity city, the single credit card quota, the position, the nationality, the number of children, the marital status, the latest working time, the starting time, the company name, the nature of the unit, the position, the month
  • the income, mobile phone number, education level, mailbox, real estate information, current residence address, and bank card information are sent to the post-loan module 47.
  • the unified interface module 42 transmits the user name, the ID card information, the signature information, and the user consent authorization clause information to the third party service module 71.
  • the unified interface module 42 receives the credit evaluation score of the customer sent by the third party service module 71.
  • the unified interface module 42 sends a credit score to the calculation module 43.
  • the calculation module 43 receives the bank card information and the face information sent by the unified interface module 42, receives the loan contract, the cash withdrawal amount, the loan verification code and the withdrawal password sent by the mobile phone system APP11, and saves the withdrawal password, and receives the third party service module 71.
  • the calculation module 43 receives the confirmed loan contract sent back by the femto-phone system APP11, performs the loan processing, obtains the customer's loan notice, and transmits it to the clearing service module 45.
  • the calculation module 43 receives the overdue customer information sent by the accounting module 44, and the overdue customer information includes the overdue amount, the number of overdue days, and then sent to the post-loan service module 47.
  • the calculation module 43 receives the credit score sent by the unified interface module 42
  • the storage accounting module 44 receives the user name, the frequent activity city, the single credit card quota, the position, the nationality, the number of children, the marital status, and the latest working time sent by the unified interface module 42. , starting work time, company name, unit nature, position, monthly income, mobile phone number, education level, mailbox, real estate information, current residence address, ID card information, bank card information, face information, signature information, calculated customers
  • the loan amount and repayment date are sent back to the unified interface module 42.
  • the accounting module 44 calculates the overdue customer information based on the repayment date and sends it to the calculation module 43. If the customer does not make a repayment on the repayment date, the customer status changes to overdue.
  • the clearing service module 45 receives the loan contract, the bank card information, the loan amount and the customer's loan notice sent by the unified computing module 42 to verify whether the cash amount is within the loan amount range, and checks whether the customer is operating ( Brush the face information), check whether the bank card belongs to the customer, whether to correctly input the withdrawal password and the SMS verification code, sign the loan contract, verify the inspection and pass the loan notice processing, and the clearing service module 45 generates the loan message and sends it to the bank interface module. 46.
  • the clearing service module 45 receives the offer amount sent by the post-credit module 47, generates a offer file, and sends it to the bank interface module 46.
  • the offer amount refers to the amount that the customer should pay back.
  • the offer file includes the bank card information and the offer amount.
  • the offer file is sent to the banking system for deduction. The deduction is deducted from the amount due from the customer.
  • the bank interface module 46 receives the lending message sent by the clearing service module 45, processes the lending message, and obtains the lending information of the customer, and sends it to the bank terminal module 81.
  • the customer's loan information is the customer's withdrawal Amount and customer's bank card information.
  • the bank interface module 46 receives the offer file sent by the clearing service module 45, performs debit processing, and obtains a return file for which the deduction is successful, and then sends it to the bank terminal module 81.
  • the post-loan module 47 receives the user name sent by the unified interface module 42, the frequent activity city, the single credit card quota, the position, the nationality, the number of children, the marital status, the latest working time, the starting working time, the company name, the nature of the unit, and the position , monthly income, mobile phone number, education level, email address, real estate information, current residence address, bank card information, for offer processing, or receiving the user name, frequent activity city, single credit card quota, position, sent by the unified interface module 42 Ethnicity, number of children, marital status, recent working hours, starting work time, company name, unit nature, position, monthly income, mobile phone number, education level, mailbox, real estate information, current residence address, bank card information and calculation module 43 After the overdue amount and the number of overdue days are sent, the offer is processed, the offer amount is obtained, and the offer amount is sent to the clearing service module 45.
  • the offer amount refers to the amount that the customer should pay back.
  • the offer is: manually calculate the customer's offer amount through the PC computer, or you can check the customer's application information, contact the customer, and communicate with the customer about the repayment.
  • the bank terminal 81 receives the deposit information of the customer sent by the bank interface module 46, and the cash amount in the customer's loan information is exchanged into the bank card of the customer, and the loan result information is sent to the mobile phone service module 41.
  • the result of the loan result is the success of the loan or the failure of the loan.
  • the client applies for a loan to complete.
  • the bank terminal 81 receives the return file sent by the bank interface module 46, and verifies whether the deduction is successful, and the deduction is successfully completed. If the debit unsuccessful bank interface module 46 will continue to initiate deductions within one day. If the deduction is unsuccessful on the same day, the customer's overdue time will be recalculated.
  • the bank terminal module 81 is provided with L pieces.
  • the number of Ls is the number of bank servers that provide loans to the system.
  • the third party service module 71 sends the customer's photo to the brush face module 61.
  • the third party service module 71 sends the customer's photo and the customer's bank information to the calculation module 43.
  • the third-party service module 71 receives the user name, ID card information, signature information, and user consent authorization clause information sent by the unified interface module 42.
  • the third-party service module 71 is provided with a network shield module, a sink module, a positioning module, and a personal letter that work together. Use the FICO module and the K780 module. The customer's credit evaluation score is comprehensively obtained and sent to the unified interface module 42 for evaluating whether the customer's credit is good.
  • the network shield module is used to know whether the customer is a fraudster, such as whether the customer has abnormal borrowing, risk of loss of trust, and borrowing strategy.
  • the borrowing strategy is, for example, the customer's fraud data, the financial institution listed as a blacklist, and the geographical location.
  • the FX module understands whether the customer is in a financial case in the court.
  • the positioning module is used to locate the mobile phone, determine the scope of the customer's activity, and determine whether the customer has a risk of loss of confidence.
  • the personal credit rating FICO module integrates the results learned by the network shield module and the sink module, gives a credit score, sends the credit score to the unified interface module 42, and the unified interface module 42 sends the credit score to the calculation module 43 for saving. .
  • the K780 module is used to collect the mobile phone number, identification IP address, ID card number, and short URL provided by the customer, and then perform the inquiry service, and provide short URL shortening and QR code generation service.
  • the working process of the system of the present invention is:
  • the customer fills in the loan application information through the fly-loan mobile phone system APP11, encrypts, and transmits the encrypted application information to the content distribution module 21.
  • the content distribution module 21 receives the encrypted application information sent by the femto-phone system APP11, and performs data transmission processing through the Internet.
  • the content distribution module 21 can transmit and process a large amount of data, obtain customer application information, and send it to load balancing. Module 31.
  • the load balancing module 31 distributes the client application information transmitted from the content distribution module 21 based on the IP load balancing determination and the content request distribution method, and then distributes the client application information to the mobile phone service module 41.
  • the mobile phone service module 41 After receiving the client application information sent by the load balancing module 31, the mobile phone service module 41 generates a short message verification code and sends it to the short message service module 51.
  • the short message service module 51 receives the short message verification code sent by the mobile phone service module 41, and then generates a short message notification that is transmitted in accordance with the mobile communication network, and sends the short message to the mobile phone number filled in when the customer registers, and simultaneously on the mobile phone system APP11.
  • the time limit for entering the verification code is 1 hour.
  • the SMS notification content is: "Your verification code is: 906513, please enter it within one hour. To protect your account security, please do not forward the verification code SMS to others.”
  • the mobile phone service module 41 performs data disassembly on the customer application information sent by the load balancing module 31, and obtains the disassembled customer application information: user name, frequent activity city, single credit card quota, position, ethnicity, number of children, Marital status, recent working hours, starting work time, company name, unit nature, position, monthly income, mobile phone number, education level, email address, property information, current residence address, ID card information, bank card information, face information, Signature information, user consent to authorization terms information.
  • the mobile phone service module 41 transmits the face information to the brush face module 61.
  • the mobile phone service module 41 sends the disassembled customer's application information to the unified interface module 42.
  • the face module 61 compares the face information sent from the mobile phone service module 41 with the photo of the customer obtained from the third party service module 71, and calculates the similarity of the facial features of the customer in the two photos to obtain a photo ratio. The score of the pair is then sent back to the mobile phone service module 41, and the mobile phone service module 41 confirms and saves it to prevent the non-customer from applying. After the confirmation, the mobile phone service module 41 sends the customer application information to the unified interface module 42.
  • the unified interface module 42 receives the disassembled customer application information sent by the mobile phone service module 41, and the user name, the frequent activity city, the single credit card quota, the position, the ethnicity, the number of children, the marital status, the latest working time, and the work start. Time, company name, unit nature, position, monthly income, mobile phone number, education level, mailbox, property information, current residence address, ID card information, bank card information, face information, signature information are sent to accounting module 44, The accounting module 44 calculates the loan amount of the customer and then sends it back to the unified interface module 42. The unified interface module 42 sends the bank card information and the face brush information in the client application information to the estimator module 43.
  • the unified interface module 42 sends the loan contract downloaded from the main server 4 and the loan amount sent back by the accounting module 44 to the mobile phone mobile phone system APP11, and the customer clicks the send short message button on the screen on the mobile loan mobile phone system APP11.
  • the service module 51 sends the loan verification code to the mobile phone number of the mobile phone number filled in by the customer, and the flight loan mobile phone system APP11 receives the loan contract and the loan amount sent by the unified interface module 42, the customer performs the cash withdrawal operation, fills in the loan contract in the mobile phone system APP11 and The loan verification code, set the withdrawal password, and perform the withdrawal operation to generate the cash withdrawal amount.
  • the cash withdrawal amount in the withdrawal operation is within the scope of the loan amount, and then the loan contract, the loan verification code, the cash withdrawal amount and the withdrawal password are sent to the calculation module. 43.
  • the calculation module 43 receives the bank card information and the face information in the client application information sent by the unified interface module 42, receives the loan contract, the cash withdrawal amount, the loan verification code and the withdrawal password sent by the mobile phone system APP11, and saves the withdrawal password, and receives the The photo of the customer sent by the third party service module 71 and the bank information of the customer. Then: 1. First check whether the customer's cash amount is in the loan amount range. 2. Compare the face information with the photo of the customer provided by the third party service module 71, check whether the customer is operating; the bank card information is compared with the bank information provided by the third party service module 71, and the bank is checked. Whether the card belongs to the customer. 3. Verify that the entered withdrawal password and the loan verification code are accurate.
  • the valid loan contract will be sent again to the flight loan mobile phone system APP11. Please confirm the customer, send the loan contract of the IP loan mobile phone system APP11 customer confirmation to the calculation module 43, and the calculation module 43 receives the mobile phone system APP11.
  • the confirmed loan contract, the bank loan processing, the customer's loan notice, and the customer's loan notice are sent to the clearing service module 45.
  • the clearing service module 45 receives the loan contract, the bank card information, the loan amount and the loan notice sent by the real calculation module 43 sent by the unified interface module 42, and verifies whether the cash amount is within the loan amount range, and checks whether the customer is operating. (Face information), check whether the bank card is the customer, whether to correctly input the withdrawal password and the SMS verification code, sign the loan contract, and perform the payment notification processing after the verification is passed.
  • the clearing service module 45 generates the loan message and sends it to the bank. Interface module 46.
  • the bank interface module 46 receives the lending message sent by the clearing service module 45, and processes the lending message to obtain the lending information of the customer.
  • the lending information of the customer is the cash amount of the customer and the bank card information of the customer, and is sent to the bank terminal. Module 81.
  • the bank terminal 81 bank terminal module 81 converts the cash withdrawal amount in the customer's loan information to the customer's bank card, and obtains the loan result information to be sent to the mobile phone service module 41, and the loan result information content is successful in lending or lending, and the mobile phone service is
  • the module 41 generates a payment short message and sends it to the short message service module 51.
  • the short message service module 51 generates a short message notification conforming to the mobile communication network transmission, and sends the short message to the mobile phone number filled in when the customer registers. The client applies for a loan to complete.
  • the customer operates the repayment on the fly-loan mobile phone APP11, or automatically starts the repayment at the expiration date.
  • the unified interface module 42 will name the user in the application information, the frequent activity city, the single credit card quota, the position, the nationality, the number of children, the marital status, the latest working time, the starting time, the company name, and the nature of the unit.
  • the position, monthly income, mobile phone number, education level, mailbox, real estate information, current residence address, and bank card information are sent to the post-loan module 47.
  • the post-loan module 47 receives the user name, the frequent activity city, the single credit card quota, the position, the ethnicity, the number of children, the marital status, the latest working time, the starting working time, the company name, and the customer application information sent by the unified interface module 42.
  • the amount is the amount that the customer should repay; the offer is: manually calculate the customer's offer amount through the PC computer, or you can check the customer's application information, contact the customer, and communicate with the customer.
  • the clearing service module 45 receives the offer amount sent by the post-credit module 47, generates a offer file, and sends it to the bank interface module 46.
  • the offer amount refers to the amount that the customer should pay back.
  • the offer file includes the bank card information and the offer amount. The offer file is sent to the banking system for debit, and the deduction is deducted by the amount due from the customer.
  • the bank interface module 46 receives the offer file sent by the clearing service module 45, performs debit processing, and obtains a return file for which the deduction is successful, and then sends it to the bank terminal module 81.
  • the bank terminal 81 receives the return file sent by the bank interface module 46, and verifies whether the deduction is successful, and the deduction is successfully completed. If the debit unsuccessful bank interface module 46 will continue to initiate deductions within one day.
  • the unified interface module 42 will name the user in the application information, the frequent activity city, the single credit card amount, the position, the ethnicity, the number of children, the marital status, the latest working time, the starting time, the company.
  • the name, unit nature, position, monthly income, mobile phone number, education level, mailbox, real estate information, current residence address, and bank card information are sent to the post-loan module 47.
  • the accounting module 44 receives the user name sent by the unified interface module 42, the frequent activity city, the single credit card quota, the position, the ethnicity, the number of children, the marital status, the latest working time, the starting working time, the company name, the nature of the unit, and the Job title, monthly income, mobile phone number, education level, email address, real estate information, current residence address, ID card information, bank card information, face information, signature information, calculate the customer's repayment date, and calculate the overdue according to the repayment date.
  • Customer information sent to the Gods module 4 3.
  • the calculation module 43 receives the overdue customer information sent by the accounting module 44, and obtains the overdue amount and the number of overdue days in the overdue customer information, and sends it to the post-loan service module 47.
  • the post-loan module 47 receives the user name, the frequent activity city, the single credit card quota, the position, the ethnicity, the number of children, the marital status, the latest working time, the starting working time, the company name, and the customer application information sent by the unified interface module 42. After the nature of the unit, the position of the job, the monthly income, the mobile phone number, the education level, the mailbox, the property information, the current residence address, the bank card information, and the overdue amount and the date of the overdue sent by the calculation module 43, the post-loan module 47 performs the offer processing. The offer amount is obtained, and the offer amount is sent to the clearing service module 45.
  • the clearing service module 45 receives the offer amount sent by the post-credit module 47, generates a offer file, and sends it to the bank interface module 46.
  • the bank interface module 46 receives the offer file sent by the clearing service module 45, performs a chargeback process, and obtains a return file for whether the charge is successful, and then sends it to the bank terminal module 81.
  • the bank terminal module 81 receives the return file sent by the bank interface module 46, verifies whether the deduction is successful, and the deduction is successfully completed. If the debit unsuccessful bank interface module 46 will continue to initiate deductions within one day. If the deduction is unsuccessful on the same day, the customer's overdue time will be recalculated.
  • the mobile phone mobile phone system APP11 is disposed in the mobile phone 1
  • the content distribution module 21 is disposed in the content distribution network server 2
  • the load balancing module 31 is disposed in the load balancing server 3
  • the mobile phone service module 41 and the unified interface module 42 are provided.
  • the algorithm module 43, the accounting module 44, the clearing service module 45, the bank interface module 46, and the post-credit module 47 are disposed in the main server 4
  • the short message service module 51 is disposed in the short message service server 5
  • the brush face module 61 is disposed on the brush face.
  • the third party service module 71 is disposed in the third party service server 7
  • the bank terminal module 81 is disposed in the bank server 8.
  • the calculation module 43 receives the bank card information and the face information in the client application information sent by the unified interface module 42, receives the loan contract, the cash withdrawal amount and the loan verification code sent by the mobile phone system APP11, and receives the client sent by the third party service module 71. Photos and customer banking information. Then: 1. First check whether the customer's cash amount is in the loan amount range. 2. Compare the face information with the photo provided by the third party service module 71 to check whether the operation is performed by the customer himself; the bank card information and the third party service module 71 provide the customer's bank information for comparison, and check whether the bank card is The customer's own. 3. Verify that the entered withdrawal password and the loan verification code are accurate.
  • the accounting module 44 receives the user name, the frequent activity city, the single credit card quota, the position, the nationality, the number of children, the marital status, the latest working time, the starting working time, the company name, the unit nature, and the service to be sent by the unified interface module 42. Job title, monthly income, mobile phone number, education level, mailbox, real estate information, current residence address, ID card information, bank card information, face information, signature information, calculate the customer's loan amount, and then send it back to the unified interface module 42 .
  • the customer can operate the loan on the mobile phone through the server for the mobile phone loan, and the operation is convenient, and there is no need to queue up at the business outlets, and the loan speed is fast.
  • embodiments of the present invention can be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware. Moreover, the invention can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • the invention has industrial applicability.

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Abstract

一种手机APP贷款系统，设置在由手机、服务器、第三方服务服务器、银行服务器利用移动通信网络和英特网联接构成的网络设备上；所述手机APP贷款系统包括飞贷手机系统APP、负载均衡模块、手机业务模块、短信服务模块、刷脸模块、统一接口模块、神算模块、核算模块、清算服务模块、银行接口模块、第三方服务模块、银行终端模块；客户通过飞贷手机系统APP填写贷款的申请信息，进行提现操作以及还款操作。与现有技术相比，客户通过用于手机贷款的服务器，可以在手机上操作借款，操作方便，无需去营业网点排队等待，借款速度快。

Description

手机APP贷款系统 技术领域
本发明涉及互联网金融技术领域，具体涉及一种手机APP贷款系统。
背景技术
传统的贷款申请难，贷款人需要到贷款机构提交大量的纸质证明材料，且只能在工作日到营业网点办理，申请后等待审批的时间也长，即使申请下来，由于贷款机构不能及时的放款给用户，贷款速度慢给用户带来很多不便，错失很多商机。有时贷款机构还需要用户满足一些附加条件才给用户放款，例如：先存一定数额的款在银行，或购买一些理财产品等，给本来资金紧张的用户带来用款难。并且传统的贷款申请无法实现部分提款，用户申请的贷款额度必须一次提清，即使暂时不需要这么多也必须全部贷出；而且不支持部分、全额提前还款，提前还款需要支付违约金，也无法更改还款日、调整还款期限，用户还款难。还清一次贷款后，想要再次贷款需重新提交申请，再借难。
现有技术贷款只能在一家银行的营业网点办理，即使采用网上银行，由于数据量大，速度慢，无法实现贷款人对多家银行的随时随地，随贷随还。
技术问题
本发明所要解决的技术问题是方便贷款人随时随地借款。
本发明所要解决的第二技术问题是方便贷款人随时随地还款。
问题的解决方案
技术解决方案
为此，依据本发明的第一方面，一种实施方式提供手机APP贷款系统，手机APP贷款系统设置在由手机、服务器、第三方服务服务器、银行服务器利用移动通信网络和英特网联接构成的网络设备上；手机APP贷款系统包括飞贷手机系统APP、负载均衡模块、手机业务模块、短信服务模块、刷脸模块、统一接口模块、神算模块、核算模块、清算服务模块、银行接口模块、第三方服务模块、银行终端模块；飞贷手机系统APP用于客户在上注册时，填写短信服务模块发送到 客户手机上的短信验证码，客户在提现时填写短信服务模块发送到客户手机上的借款验证码；客户通过飞贷手机系统APP填写贷款的申请信息，然后进行加密，得到加密后的申请信息，发送到内容分发模块；飞贷手机系统APP接收统一接口模块发送的借款合同和贷款额度，客户进行提现操作，在飞贷手机系统APP上填写借款合同和借款验证码，设置提现密码，生成提现金额，提现操作中可操作提现的金额在贷款额度的范围内，然后将借款合同、借款验证码、提现金额和提现密码发送到神算模块；飞贷手机系统APP接收神算模块发送的验证合格后的借款合同，由客户进行确认操作，然后将确认的借款合同发送给神算模块；内容分发模块接收到飞贷手机系统APP发送的加密后的申请信息，通过英特网进行数据传输处理，得到客户申请信息，发送到负载均衡模块；负载均衡模块对内容分发模块发送的客户申请信息，基于IP负载均衡判断和内容请求分发方法进行分发，分发客户申请信息到手机业务模块；手机业务模块接收到负载均衡模块发送的客户申请信息后，生成短信验证码，发送到短信服务模块；手机业务模块对负载均衡模块发送的客户申请信息，进行资料拆解，得到拆解后的客户的申请信息：用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息、用户同意授权条款信息；手机业务模块将脸部信息发送到刷脸模块；手机业务模块将拆解后的客户的申请信息发送到统一接口模块；手机业务模块接收刷脸模块发送的照片比对的分数，然后确认后保存；手机业务模块接收银行终端模块发送的放款结果信息，生成放款短信，发送到短信服务模块；短信服务模块接收手机业务模块发来的短信验证码，然后生成符合移动通信网络传输的短信通知，以短信的方式发送到客户手机上，同时飞贷手机系统APP显示限定输入短信验证码的时限为小时；客户在飞贷手机系统APP上进行提现操作时，点击屏幕上的发送短信按钮，短信服务模块发送借款验证码到客户手机上；短信服务模块接收手机业务模块发送的放款短信，生成符合移动通信网络传输的短信通知，以短信的方式发送到客户注册时填写的手机号码上；刷脸模块接收手机业务模块发送的脸部信息，和接收第三 方服务模块发送的客户的照片进行比对，根据两张照片中客户的脸部特征相似度进行计算，得到照片比对的分数，然后将该照片比对的分数发送到手机业务模块；统一接口模块接收手机业务模块发送的拆解后的客户的申请信息，将用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息发送到核算模块；将银行卡信息和刷脸信息发送到神算模块；统一接口模块接收核算模块发送的客户的贷款额度；统一接口模块将从主服务器下载的借款合同和核算模块发回的贷款额度发送到飞贷手机系统APP上；统一接口模块将借款合同、银行卡信息和贷款额度发送到清算服务模块上；统一接口模块将用户名称、身份证信息、签名信息、用户同意授权条款信息发送到第三方服务模块；统一接口模块接收第三方服务模块发送的客户的信用评分；统一接口模块发送信用评分到神算模块；神算模块接收统一接口模块发送的银行卡信息、刷脸信息，接收飞贷手机系统APP发送的借款合同、提现金额、借款验证码和提现密码，并保存提现密码，接收第三方服务模块发送的客户的照片和客户的银行信息，进行验证，全部正确无误后再次发送验证合格后的借款合同到飞贷手机系统APP；神算模块接收飞贷手机系统APP发回的确认的借款合同，进行放款处理，得到客户的放款通知，发送到清算服务模块；神算模块接收统一接口模块发送的信用评分进行保存；核算模块接收统一接口模块发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息，计算得到客户的贷款额度，然后发回到统一接口模块；清算服务模块接收统一接口模块发送的借款合同、银行卡信息、贷款额度和神算模块发来的客户的放款通知，验证提现金额是否在贷款额度范围内，验证合格就进行放款通知处理，清算服务模块生成放款报文，发送到银行接口模块；银行接口模块接收清算服务模块发送来的放款报文，作放款报文的处理，得到客户的放款信息，发送到银行终端模块，客户的放款信息为客户的 提现金额和客户的银行卡信息；银行终端模块接收银行接口模块发送的客户的放款信息，将客户的放款信息中的提现金额汇兑到客户的银行卡中，并得到放款结果信息发送到手机业务模块，放款结果信息内容为放款成功或放款失败；第三方服务模块发送客户的照片到刷脸模块；第三方服务模块发送客户的照片和客户的银行信息到神算模块；第三方服务模块接收统一接口模块发送的用户名称、身份证信息、签名信息、用户同意授权条款信息；第三方服务模块综合得到客户的信用评估分数，发送到统一接口模块。
发明的有益效果
有益效果
依据本发明的手机APP贷款系统，与现有技术相比，客户通过用于手机贷款的服务器，可以在手机上操作借款，操作方便，无需去营业网点排队等待，借款速度快。
此外，可以在手机上操作还款，操作方便，无需去营业网点排队等待，无限制还款时限，随贷随还。
对附图的简要说明
附图说明
图1是本实施例的一种手机APP贷款系统采用的设备连接示意图；
图2是本实施例的一种手机APP贷款系统结构示意图。
发明实施例
本发明的实施方式
下面结合附图和实施例对本发明作进一步详细的说明。本发明的手机APP贷款系统(本系统)，设置在由手机、服务器、第三方服务服务器、银行服务器利用移动通信网络和英特网联接构成的网络设备上。安装了飞贷手机系统APP的手机与服务器联网，服务器与第三方服务服务器、银行服务器联网。第三方服务服务器、银行服务器分别联接有一台以上的计算机终端(计算机)。本实施例中，所称飞贷手机系统APP是指装载在手机上的应用工具。
如图1所示，本发明的手机APP贷款系统采用的设备有：手机1、服务器、第三 方服务服务器7和银行服务器8。服务器由内容分发网络服务器2、负载均衡服务器3、主服务器(飞贷金融科技服务器)4、短信服务服务器5和刷脸服务服务器6组成。手机1设有N部，N为注册成为本系统用户的数量，手机1经内容分发网络服务器2、负载均衡服务器3连接主服务器4。主服务器4连接短信服务服务器5、刷脸服务服务器6、第三方服务服务器7和银行服务器8。第三方服务服务器7设有M个，M的数量为与本系统连接的为本系统提供信用、犯罪记录、征信查询信息的服务器的数量。银行服务器8设置有L个，L的数量为与本系统连接的提供贷款的银行服务器的数量。
本实施例中，手机1采用安装有IOS系统(是由苹果公司开发的移动操作系统)或Android系统(是一种基于Linux的自由及开放源代码的操作系统)的智能手机，且手机1必须配置可用于拍照的200万以上像素的前置摄像头；内容分发网络服务器2采用四核CPU，8192MB的内存，40G的硬盘空间，负载均衡服务器3采用四核CPU，8192MB的内存，40G的硬盘空间，主服务器4采用四核CPU，8192MB的内存，40G的硬盘空间，短信服务服务器5采用四核CPU，8192MB的内存，40G的硬盘空间，刷脸服务服务器6采用四核CPU，8192MB的内存，40G的硬盘空间，第三方服务服务器7采用四核CPU，8192MB的内存，40G的硬盘空间，银行服务器8采用四核CPU，8192MB的内存，40G的硬盘空间。手机1与内容分发网络服务器2和短信服务服务器5采用移动通信网络联接。内容分发网络服务器2与负载均衡服务器3、主服务器4与负载均衡服务器3、短信服务服务器5、刷脸服务服务器6采用因特网联接。主服务器4与第三方服务服务器7和银行服务器8采用因特网联接。
如图2所示，本发明的手机APP贷款系统，设有飞贷手机系统APP11、内容分发模块21、负载均衡模块31、短信服务模块51、刷脸模块61、第三方服务模块71、银行终端模块81、手机业务模块41、统一接口模块42、神算模块43、核算模块44、清算服务模块45、银行接口模块46、贷后模块47。第三方服务模块71设有网盾模块、汇法模块、定位模块、信用评分FICO模块、K780数据模块。
客户通过飞贷手机系统APP11填写贷款的申请信息，加密，将加密后的申请信息发送到内容分发模块21。
申请信息为：用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息、用户同意授权条款信息、贷款额度。身份证信息为手机拍摄的身份证正反面照片，脸部信息为手机拍摄的人脸正面照片。用户同意授权条款信息为用户同意授权第三方服务的条款信息。
客户为注册成为本系统的用户，在主服务器4的数据库中存储有客户的手机号码和密码。客户注册成为本系统的用户后，填写正确的手机号码和密码，可登录本系统。
客户在注册的时候，短信服务模块51会发送短信验证码到正在注册的客户手机上，飞贷手机系统APP11上需填写短信验证码，用来确定客户填写的手机号码的真实性，客户在提现的时候，也需要填写短信服务模块51发送的借款验证码，用来确定具体操作的是客户本人，使用短信服务模块51提供的验证码服务能保护客户的账户安全。
飞贷手机系统APP11接收统一接口模块42发送的借款合同和贷款额度，客户进行提现操作，在飞贷手机系统APP11填写借款合同和借款验证码，设置提现密码，并进行提现操作，生成提现金额，提现操作中可操作提现的金额在贷款额度的范围内，然后将借款合同、借款验证码、提现金额和提现密码发送到神算模块43。
飞贷手机系统APP11接收神算模块43发送的验证合格后的借款合同，由客户进行确认操作，然后在将借款合同发送给神算模块43。
内容分发模块21接收到飞贷手机系统APP11发送的加密后的申请信息，得到客户申请信息，通过英特网进行数据传输处理，发送到负载均衡模块31。内容分发模块21用于传输大量的数据。
负载均衡模块31对内容分发模块21发送来的客户的申请信息，基于IP负载均衡判断和内容请求分发方法进行分发，既对手机业务模块41的访问量和并发访问量的负载进行判断，然后分发客户的申请信息到手机业务模块41。
IP负载均衡是通过IPVS(IPVS称之为IP虚拟服务器，是IP Virtual Server的简写 。是运行在LVS下的提供负载平衡功能的一种方式)模块来实现的，IPVS是集群系统的核心系统，它的作用是：安装在Director Server(调度器)上，同时在Director Server上虚拟出一个IP地址，用户通过这个虚拟的IP地址访问服务。这个虚拟IP一般称为LVS(LVS是Linux Virtual Server的简写，意即Linux虚拟服务器，是一个虚拟的服务器集群系统)的VIP(即Virtual IP，虚拟的IP)。访问的请求首先经过VIP到达负载的调度器，然后由负载调度器从Real Server(真实服务器)列表中选取一个合适的服务节点响应用户的请求，合适的服务节点为不繁忙或地理位置最近的服务节点。
手机业务模块41接收到负载均衡模块31发送的客户申请信息后，生成短信验证码，发送到短信服务模块51。
手机业务模块41对负载均衡模块31发送的客户申请信息，进行资料拆解，得到拆解后的客户的申请信息：用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息、用户同意授权条款信息。
手机业务模块41将脸部信息发送到刷脸模块61。
手机业务模块41将拆解后的客户的其余申请信息发送到统一接口模块42。
手机业务模块41接收刷脸模块61发送的照片比对的分数，然后确认后保存。用来防止非客户本人进行申请。
手机业务模块41接收银行终端模块81发送的放款结果信息，生成放款短信，发送到短信服务模块51。
短信服务模块51接收手机业务模块41发来的短信验证码，然后生成符合移动通信网络传输的短信通知，以短信的方式发送到客户手机上，同时在飞贷手机系统APP11上限定输入短信验证码的时限为1小时。短信验证码的内容举例为：“您的验证码为：906513，请在一小时内输入。为保障您的账号安全，请勿将短信验证码转发给他人。”
客户在飞贷手机系统APP11上进行提现操作时，点击屏幕上的发送短信按钮， 短信服务模块51发送借款验证码到客户手机上。
短信服务模块51接收手机业务模块41发送的放款短信，生成符合移动通信网络传输的短信通知，以短信的方式发送到客户注册时填写的手机号码上。
刷脸模块61接收手机业务模块41发送的脸部信息，接收第三方服务模块71发送的客户的照片进行比对，根据两张照片中客户的脸部特征相似度进行计算，得到照片比对的分数，然后将该照片比对的分数发送到手机业务模块41。
统一接口模块42接收手机业务模块41发送的拆解后的客户的申请信息，将用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息发送到核算模块44。
统一接口模块42将银行卡信息和刷脸信息发送到神算模块43。
统一接口模块42接收核算模块44发送的客户的贷款额度。
统一接口模块42将从主服务器4下载的借款合同和核算模块44发回的贷款额度发送到飞贷手机系统APP11上。
统一接口模块42将借款合同、银行卡信息和贷款额度发送到清算服务模块45上。
统一接口模块42将申请信息中的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息发送到贷后模块47。
统一接口模块42将用户名称、身份证信息、签名信息、用户同意授权条款信息发送到第三方服务模块71。
统一接口模块42接收第三方服务模块71发送的客户的信用评估分数。
统一接口模块42发送信用评分到神算模块43。
神算模块43接收统一接口模块42发送的银行卡信息、刷脸信息，接收飞贷手机系统APP11发送的借款合同、提现金额和借款验证码和提现密码，并保存提现密码，接收第三方服务模块71发送的客户的照片和客户的银行信息。然后：1、先 对客户的提现金额进行检查，是否在贷款额度范围。2、将刷脸信息与第三方服务模块71提供的客户的照片进行比对，检查是否是客户本人进行操作；银行卡信息与第三方服务模块71提供的客户的银行信息进行比对，检查银行卡是否属于客户本人的。3、验证输入的提现密码和借款验证码是否准确。全部正确无误后会再次发送验证合格的借款合同到飞贷手机系统APP11上请客户确认。
神算模块43接收飞贷手机系统APP11发回的确认的借款合同，进行放款处理，得到客户的放款通知，发送到清算服务模块45。
神算模块43接收核算模块44发送的逾期客户信息，逾期客户信息包括逾期金额、逾期天数，然后发送到贷后服务模块47。
神算模块43接收统一接口模块42发送的信用评分进行保存核算模块44接收统一接口模块42发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息，计算得到客户的贷款额度和还款日期，将贷款额度发回到统一接口模块42。
核算模块44根据还款日期计算得到逾期客户信息，发送到神算模块43。如果在还款日当日客户没有进行还款，则客户状况改成逾期。
清算服务模块45接收统一接口模块42发送的借款合同、银行卡信息、贷款额度和神算模块43发来的客户的放款通知，验证提现金额是否在贷款额度范围内，检查是否是客户本人进行操作(刷脸信息)，检查银行卡是否属于客户本人，是否正确输入提现密码和短讯验证码，签署放款合同，验证检查合格进行放款通知处理，清算服务模块45生成放款报文，发送到银行接口模块46。
清算服务模块45接收贷后模块47发送来的报盘金额，生成报盘文件，发送到银行接口模块46。报盘金额是指客户应还金额，报盘文件包括银行卡信息和报盘金额，报盘文件用于发送到银行系统进行扣款，扣款扣掉的是客户到期应还的金额。
银行接口模块46接收清算服务模块45发送来的放款报文，作放款报文的处理，得到客户的放款信息，发送到银行终端模块81。客户的放款信息为客户的提现 金额和客户的银行卡信息。
银行接口模块46接收清算服务模块45发送来的报盘文件，进行扣款处理，得到扣款是否成功的回盘文件，然后发送到银行终端模块81。
贷后模块47接收统一接口模块42发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息，进行报盘处理，或接收统一接口模块42发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息和神算模块43发送的逾期金额、逾期天数后，进行报盘处理，得到报盘金额，发送报盘金额到清算服务模块45。报盘金额指的是客户应还金额。
报盘处理为：人工通过PC计算机计算得到客户的报盘金额，也可以查看客户的申请信息后联系客户，与客户沟通还款事项。
银行终端81银行终端模块81接收银行接口模块46发送的客户的放款信息，将客户的放款信息中的提现金额汇兑到客户的银行卡中，并得到放款结果信息发送到手机业务模块41。放款结果信息内容为放款成功或放款失败。客户申请贷款完成。
银行终端81银行终端模块81接收银行接口模块46发送的回盘文件，验证是否扣款成功，扣款成功完成还款。如扣款未成功银行接口模块46会在一天内会持续发起扣款。如当日扣款未成功会重新计算客户逾期时间。
所述银行终端模块81设有L个。L的数量为与本系统连接的提供贷款的银行服务器的数量。
第三方服务模块71发送客户的照片到刷脸模块61。
第三方服务模块71发送客户的照片和客户的银行信息到神算模块43。
第三方服务模块71接收统一接口模块42发送的用户名称、身份证信息、签名信息、用户同意授权条款信息。
第三方服务模块71设置有协同工作的网盾模块、汇法模块、定位模块、个人信 用评级FICO模块和K780模块。综合得到客户的信用评估分数，发送到统一接口模块42，用来评估客户的信用是否良好。
网盾模块用于了解客户是否是欺诈分子，例如客户是否有异常借款、失信风险、借款策略，借款策略为例如：客户的欺诈数据、被什么金融机构列为黑名单、所在的地理位置。
汇法模块了解客户是否是在法院有金融类的案件在处理。
定位模块用于对手机定位，确定客户活动范围，判断客户是否有失信风险。
个人信用评级FICO模块将网盾模块和汇法模块了解到的结果进行整合，给出信用评分，将该信用评分发送到统一接口模块42，统一接口模块42将信用评分发送给神算模块43进行保存。
K780模块用于采集客户提供的手机号码、身份识别IP地址、身份证号码、短网址，然后进行查询服务，和提供短网址缩短、二维码生成服务。
本发明的系统的工作过程为：
借款
客户通过飞贷手机系统APP11填写贷款的申请信息，加密，将加密后的申请信息发送到内容分发模块21。
内容分发模块21接收到飞贷手机系统APP11发送的加密后的申请信息，通过英特网进行了数据传输处理，内容分发模块21能传输处理的数据量大，得到客户申请信息，发送到负载均衡模块31。
负载均衡模块31对内容分发模块21发送来的客户申请信息，基于IP负载均衡判断和内容请求分发方法进行分发，然后分发客户申请信息到手机业务模块41。
手机业务模块41接收到负载均衡模块31发送的客户申请信息后，生成短信验证码，发送到短信服务模块51。
短信服务模块51接收手机业务模块41发来的短信验证码，然后生成符合移动通信网络传输的短信通知，以短信的方式发送到客户注册时填写的手机号码上，同时在飞贷手机系统APP11上限定输入验证码的时限为1小时。短信通知内容举例为：“您的验证码为：906513，请在一小时内输入。为保障您的账号安全，请勿将验证码短信转发给他人。”
手机业务模块41对负载均衡模块31发送的客户申请信息，进行资料拆解，得到拆解后的客户的申请信息：用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息、用户同意授权条款信息。
手机业务模块41将脸部信息发送到刷脸模块61。
手机业务模块41将拆解后的客户的申请信息发送到统一接口模块42。
刷脸模块61将自手机业务模块41发来的脸部信息与从第三方服务模块71得到的客户的照片进行比对，根据两张照片中客户的脸部特征相似度进行计算，得到照片比对的分数，然后将该照片比对的分数发回到手机业务模块41，手机业务模块41确认后保存，用来防止非客户本人进行申请。确认后手机业务模块41将客户申请信息发送到统一接口模块42。
统一接口模块42接收手机业务模块41发送的拆解后的客户的申请信息，将用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息发送到核算模块44，，核算模块44计算得到客户的贷款额度，然后发回到统一接口模块42。统一接口模块42将客户申请信息中的银行卡信息和刷脸信息发送到神算模块43。
统一接口模块42将从主服务器4下载的借款合同，和核算模块44发回的贷款额度发送到飞贷手机系统APP11上，同时客户在飞贷手机系统APP11上点击屏幕上的发送短信按钮，短信服务模块51发送借款验证码到客户填写的手机号的手机上，飞贷手机系统APP11接收统一接口模块42发送的借款合同和贷款额度，客户进行提现操作，在飞贷手机系统APP11填写借款合同和借款验证码，设置提现密码，并进行提现操作，生成提现金额，提现操作中可操作提现的金额在贷款额度的范围内，然后将借款合同、借款验证码、提现金额和提现密码发送到神算模块43。
神算模块43接收统一接口模块42发送的客户申请信息中的银行卡信息、刷脸信息，接收飞贷手机系统APP11发送的借款合同、提现金额和借款验证码和提现密码，并保存提现密码，接收第三方服务模块71发送的客户的照片和客户的银行信息。然后：1、先对客户的提现金额进行检查是否在贷款额度范围。2、将刷脸信息与第三方服务模块71提供的客户的照片进行比对，检查是否是客户本人进行操作；银行卡信息与第三方服务模块71提供的客户的银行信息进行比对，检查银行卡是否属于客户本人的。3、验证输入的提现密码和借款验证码是否准确。全部正确无误后会再次发送验证合格的借款合同到飞贷手机系统APP11上请客户确认，发送飞贷手机系统APP11客户确认后的借款合同给神算模块43，神算模块43接收飞贷手机系统APP11发回的确认的借款合同，行放款处理，得到客户的放款通知，将对客户的放款通知发送给清算服务模块45。
清算服务模块45接收统一接口模块42发送的借款合同、银行卡信息、贷款额度和神算模块43发来的对客户的放款通知，验证提现金额是否在贷款额度范围内，检查是否是客户本人进行操作(刷脸信息)，检查银行卡是否是客户本人，是否正确输入提现密码及短讯验证码，签署放款合同，验证检查合格就进行放款通知处理，清算服务模块45生成放款报文，发送到银行接口模块46。
银行接口模块46接收到清算服务模块45发送来的放款报文，作放款报文的处理，得到客户的放款信息，客户的放款信息为客户的提现金额和客户的银行卡信息，发送到银行终端模块81。
银行终端81银行终端模块81将客户的放款信息中的提现金额汇兑到客户的银行卡中，并得到放款结果信息发送到手机业务模块41，放款结果信息内容为放款成功或放款失败，由手机业务模块41生成放款短信，发送到短信服务模块51，短信服务模块51生成符合移动通信网络传输的短信通知，以短信的方式发送到客户注册时填写的手机号码上。客户申请贷款完成。
还款
由客户在飞贷手机APP11上操作还款，或到期自动启动还款。所述统一接口模块42将申请信息中的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质 、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息发送到贷后模块47。
贷后模块47接收统一接口模块42发送的客户申请信息中的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息，进行报盘处理，得到报盘金额，发送报盘金额到清算服务模块45，报盘金额是客户应还金额；报盘处理为：人工通过PC计算机计算得到客户的报盘金额，也可以查看客户的申请信息后联系客户，与客户沟通还款事项。
清算服务模块45接收贷后模块47发送来的报盘金额，生成报盘文件，发送到银行接口模块46。报盘金额指的是客户应还金额，报盘文件包括银行卡信息和报盘金额。报盘文件用于发送到银行系统进行扣款，扣款扣掉的是客户到期应还的金额。
银行接口模块46接收清算服务模块45发送来的报盘文件，进行扣款处理，得到扣款是否成功的回盘文件，然后发送到银行终端模块81。
银行终端81银行终端模块81接收银行接口模块46发送的回盘文件，验证是否扣款成功，扣款成功完成还款。如扣款未成功银行接口模块46会在一天内会持续发起扣款。
当客户逾期还款
当核算模块44确认客户逾期时，统一接口模块42将申请信息中的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息发送到贷后模块47。
所述核算模块44接收统一接口模块42发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息，计算得到客户的还款日期，根据还款日期计算得到逾期客户信息，发送到神算模块4 3，神算模块43接收核算模块44发送来的逾期客户信息，得到逾期客户信息中的逾期金额、逾期天数，发送到贷后服务模块47。
贷后模块47接收统一接口模块42发送的客户申请信息中的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息，和神算模块43发送的逾期金额、逾期天数信息后，贷后模块47进行报盘处理，得到报盘金额，发送报盘金额到清算服务模块45。
清算服务模块45接收贷后模块47发送来的报盘金额，生成报盘文件，发送到银行接口模块46。
银行接口模块46接收清算服务模块45发送来报盘文件，进行扣款处理，得到扣款是否成功的回盘文件，然后发送到银行终端模块81。
银行终端模块81接收银行接口模块46发送的回盘文件，验证是否扣款成功，扣款成功完成还款。如扣款未成功银行接口模块46会在一天内会持续发起扣款。如当日扣款未成功会重新计算客户逾期时间。
本实施例中，飞贷手机系统APP11设置在手机1中，内容分发模块21设置在内容分发网络服务器2内，负载均衡模块31设置在负载均衡服务器3内，手机业务模块41、统一接口模块42、神算模块43、核算模块44、清算服务模块45、银行接口模块46、贷后模块47设置在主服务器4中，短信服务模块51设置于短信服务服务器5内，刷脸模块61设置于刷脸服务器6内，第三方服务模块71设置在第三方服务服务器7中，银行终端模块81设置在银行服务器8中。
神算模块43接收统一接口模块42发送的客户申请信息中的银行卡信息、刷脸信息，接收飞贷手机系统APP11发送的借款合同、提现金额和借款验证码，接收第三方服务模块71发送的客户的照片和客户的银行信息。然后：1、先对客户的提现金额进行检查是否在贷款额度范围。2、将刷脸信息与第三方服务模块71提供的照片进行比对，检查是否是客户本人进行操作；银行卡信息与第三方服务模块71提供客户的银行信息进行比对，检查银行卡是否是客户本人的。3、验证输入的提现密码和借款验证码是否准确。
核算模块44接收统一接口模块42将发送的的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息，计算得到客户的贷款额度，然后发回到统一接口模块42。
依据上述实施例公开的手机APP贷款系统，与现有技术相比，客户通过用于手机贷款的服务器，可以在手机上操作借款，操作方便，无需去营业网点排队等待，借款速度快。
此外，可以在手机上操作还款，操作方便，无需去营业网点排队等待，无限制还款时限，随贷随还。
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从 而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
以上应用了具体个例对本发明进行阐述，只是用于帮助理解本发明并不用以限制本发明。对于本领域的一般技术人员，依据本发明的思想，可以对上述具体实施方式进行变化。
工业实用性
本发明具有工业实用性。

Claims (10)

1.一种手机APP贷款系统，其特征在于，所述手机APP贷款系统设置在由手机、服务器、第三方服务服务器、银行服务器利用移动通信网络和英特网联接构成的网络设备上；所述手机APP贷款系统包括飞贷手机系统APP(11)、负载均衡模块(31)、手机业务模块(41)、短信服务模块(51)、刷脸模块(61)、统一接口模块(42)、神算模块(43)、核算模块(44)、清算服务模块(45)、银行接口模块(46)、第三方服务模块(71)、银行终端模块(81)；
所述飞贷手机系统APP(11)用于客户在上注册时，填写短信服务模块(51)发送到客户手机上的短信验证码，客户在提现时填写短信服务模块(51)发送到客户手机上的借款验证码；客户通过飞贷手机系统APP(11)填写贷款的申请信息，然后进行加密，得到加密后的申请信息，发送到内容分发模块(21)；飞贷手机系统APP(11)接收统一接口模块(42)发送的借款合同和贷款额度，客户进行提现操作，在飞贷手机系统APP(11)上填写借款合同和借款验证码，设置提现密码，生成提现金额，提现操作中可操作提现的金额在贷款额度的范围内，然后将借款合同、借款验证码、提现金额和提现密码发送到神算模块(43)；飞贷手机系统APP(11)接收神算模块(43)发送的验证合格后的借款合同，由客户进行确认操作，然后将确认的借款合同发送给神算模块(43)；
所述内容分发模块(21)接收到飞贷手机系统APP(11)发送的加密后的申请信息，通过英特网进行数据传输处理，得到客户申请信息，发送到负载均衡模块(31)；
所述负载均衡模块(31)对内容分发模块(21)发送的客户申请信息，基于IP负载均衡判断和内容请求分发方法进行分发，分发客户申请信息到手机业务模块(41)；
所述手机业务模块(41)接收到负载均衡模块(31)发送的客户申请信息后，生成短信验证码，发送到短信服务模块(51)；手机业务模块(41)对负载均衡模块(31)发送的客户申请信息，进行资料拆解，得到拆解后的客户的申请信息：用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息、用户同意授权条款信息；手机业务模块(41)将脸部信息发送到刷脸模块(61)；手机业务模块(41)将拆解后的客户的申请信息发送到统一接口模块(42)；手机业务模块(41)接收刷脸模块(61)发送的照片比对的分数，然后确认后保存；手机业务模块(41)接收银行终端模块(81)发送的放款结果信息，生成放款短信，发送到短信服务模块(51)；
所述短信服务模块(51)接收手机业务模块(41)发来的短信验证码，然后生成符合移动通信网络传输的短信通知，以短信的方式发送到客户手机上，同时飞贷手机系统APP(11)显示限定输入短信验证码的时限为1小时；客户在飞贷手机系统APP(11)上进行提现操作时，点击屏幕上的发送短信按钮，短信服务模块(51)发送借款验证码到客户手机上；短信服务模块(51)接收手机业务模块(41)发送的放款短信，生成符合移动通信网络传输的短信通知，以短信的方式发送到客户注册时填写的手机号码上；
所述刷脸模块(61)接收手机业务模块(41)发送的脸部信息，和接收第三方服务模块(71)发送的客户的照片进行比对，根据两张照片中客户的脸部特征相似度进行计算，得到照片比对的分数，然后将该照片比对的分数发送到手机业务模块(41)；
所述统一接口模块(42)接收手机业务模块(41)发送的拆解 后的客户的申请信息，将用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息发送到核算模块(44)；将银行卡信息和刷脸信息发送到神算模块(43)；统一接口模块(42)接收核算模块(44)发送的客户的贷款额度；统一接口模块(42)将从主服务器4下载的借款合同和核算模块(44)发回的贷款额度发送到飞贷手机系统APP(11)上；统一接口模块(42)将借款合同、银行卡信息和贷款额度发送到清算服务模块(45)上；统一接口模块(42)将用户名称、身份证信息、签名信息、用户同意授权条款信息发送到第三方服务模块(71)；统一接口模块(42)接收第三方服务模块(71)发送的客户的信用评分；统一接口模块(42)发送信用评分到神算模块(43)；
所述神算模块(43)接收统一接口模块(42)发送的银行卡信息、刷脸信息，接收飞贷手机系统APP(11)发送的借款合同、提现金额、借款验证码和提现密码，并保存提现密码，接收第三方服务模块(71)发送的客户的照片和客户的银行信息，进行验证，全部正确无误后再次发送验证合格后的借款合同到飞贷手机系统APP(11)；神算模块(43)接收飞贷手机系统APP(11)发回的确认的借款合同，进行放款处理，得到客户的放款通知，发送到清算服务模块(45)；神算模块(43)接收统一接口模块(42)发送的信用评分进行保存；
所述核算模块(44)接收统一接口模块(42)发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息，计 算得到客户的贷款额度，然后发回到统一接口模块(42)；
所述清算服务模块(45)接收统一接口模块(42)发送的借款合同、银行卡信息、贷款额度和神算模块(43)发来的客户的放款通知，验证提现金额是否在贷款额度范围内，验证合格就进行放款通知处理，清算服务模块(45)生成放款报文，发送到银行接口模块(46)；
所述银行接口模块(46)接收清算服务模块(45)发送来的放款报文，作放款报文的处理，得到客户的放款信息，发送到银行终端模块(81)，客户的放款信息为客户的提现金额和客户的银行卡信息；
所述银行终端模块(81)接收银行接口模块(46)发送的客户的放款信息，将客户的放款信息中的提现金额汇兑到客户的银行卡中，并得到放款结果信息发送到手机业务模块(41)，放款结果信息内容为放款成功或放款失败；
所述第三方服务模块(71)发送客户的照片到刷脸模块(61)；第三方服务模块(71)发送客户的照片和客户的银行信息到神算模块(43)；第三方服务模块(71)接收统一接口模块(42)发送的用户名称、身份证信息、签名信息、用户同意授权条款信息；第三方服务模块(71)综合得到客户的信用评估分数，发送到统一接口模块(42)。
根据权利要求1所述的手机APP贷款系统，其特征在于：所述手机APP贷款系统还包括贷后模块(47)，所述统一接口模块(42)将申请信息中的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息发送到贷后模块(47)；
所述贷后模块(47)接收统一接口模块(42)发送的用户名称 、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息，进行报盘处理，得到报盘金额，发送报盘金额到清算服务模块(45)，报盘金额是客户应还金额；
所述清算服务模块(45)接收贷后模块(47)发送来的报盘金额，生成报盘文件，发送到银行接口模块(46)；
所述银行接口模块(46)接收清算服务模块(45)发送来的报盘文件，进行扣款处理，得到扣款是否成功的回盘文件，然后发送到银行终端模块(81)；
所述银行终端模块(81)接收银行接口模块(46)发送的回盘文件，验证是否扣款成功，扣款成功完成还款。
根据权利要求2所述的手机APP贷款系统，其特征在于：所述核算模块(44)接收统一接口模块(42)发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、身份证信息、银行卡信息、脸部信息、签名信息，计算得到客户的还款日期，根据还款日期计算得到逾期客户信息，发送到神算模块(43)；
所述神算模块(43)接收核算模块(44)发送的逾期客户信息，逾期客户信息包括逾期金额、逾期天数，发送到贷后服务模块47；
所述贷后模块(47)接收统一接口模块(42)发送的用户名称、经常活动城市、单张信用卡额度、职位、民族、子女个数、婚姻状况、最近工作时间、开始工作时间、公司名称、单位性质、担任职务、月收入、手机号码、教育水平、邮箱、房产信息、现居住地址、银行卡信息，和接收神算模块(43)发送的逾期金额 、逾期天数，进行报盘处理，得到报盘金额，发送报盘金额到清算服务模块(45)，报盘金额是客户应还金额。
根据权利要求3所述的手机APP贷款系统，其特征在于：所述银行终端模块(81)设有至少1个。
根据权利要求4所述的手机APP贷款系统，其特征在于：所述第三方服务模块(71)设置有协同工作的网盾模块、汇法模块、定位模块、个人信用评级FICO模块和K780模块；所述网盾模块用于了解客户过去的借款信息；所述汇法模块用于了解客户是否是在法院有金融类的案件在处理；所述定位模块用于了解客户的活动范围；所述个人信用评级FICO模块将网盾模块和汇法模块了解到的结果进行整合，给出信用评分；所述K780模块用于采集客户提供的手机号码、身份识别IP地址、身份证号码、短网址，然后进行查询服务，和提供短网址缩短、二维码生成服务。
根据权利要求5所述的手机APP贷款系统，其特征在于：所述手机与服务器联网，服务器与第三方服务服务器、银行服务器联网，第三方服务服务器、银行服务器分别联接有至少一台的计算机终端。
根据权利要求6所述的手机APP贷款系统，其特征在于：所述服务器由内容分发网络服务器(2)、负载均衡服务器(3)、主服务器(4)、短信服务服务器(5)和刷脸服务服务器(6)组成，手机(1)经内容分发网络服务器(2)、负载均衡服务器(3)连接主服务器(4)，主服务器(4)连接短信服务服务器(5)、刷脸服务服务器(6)、第三方服务服务器(7)和银行服务器(8)。
根据权利要求7所述的手机APP贷款系统，其特征在于：所述手机(1)设有N部，N为注册成为本系统用户的数量，第三方服务服务器(7)设有M个，M的数量为与本系统连接的为本系统提供信用、犯罪记录、征信查询信息的服务器的数量，银行服务器 (8)设置有L个，L的数量为与本系统连接的提供贷款的银行服务器的数量。
根据权利要求8所述的手机APP贷款系统，其特征在于：所述飞贷手机系统APP(11)设置在手机(1)中，内容分发模块(21)设置在内容分发网络服务器(2)内，负载均衡模块(31)设置在负载均衡服务器(3)内，手机业务模块(41)、统一接口模块(42)、神算模块(43)、核算模块(44)、清算服务模块(45)、银行接口模块(46)、贷后模块(47)设置在主服务器(4)中，短信服务模块(51)设置于短信服务服务器(5)内，刷脸模块(61)设置于刷脸服务器(6)内，第三方服务模块(71)设置在第三方服务服务器(7)中，银行终端模块(81)设置在银行服务器(8)中。
根据权利要求9所述的手机APP贷款系统，其特征在于：所述神算模块(43)验证一、客户的提现金额进行检查是否在贷款额度范围；二、将刷脸信息与第三方服务模块(71)提供的客户的照片进行比对，检查是否是客户本人进行操作，银行卡信息与第三方服务模块(71)提供的客户的银行信息进行比对，检查银行卡是否是客户本人的；三、验证输入的提现密码和借款验证码是否准确。
PCT/CN2017/101389 2016-09-13 2017-09-12 手机app贷款系统 WO2018050051A1 (zh)

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